Loan Dataset Report

Dataset statistics

Number of variables	25
Number of observations	3953
Missing cells	1047
Missing cells (%)	1.1%
Duplicate rows	0
Duplicate rows (%)	0.0%
Total size in memory	772.2 KiB
Average record size in memory	200.0 B

Variable types

CAT	14
NUM	10
BOOL	1

Warnings

`Name` has a high cardinality: 3682 distinct values	High cardinality
`Email ID` has a high cardinality: 3373 distinct values	High cardinality
`University` has a high cardinality: 3140 distinct values	High cardinality
`Zip Code` has a high cardinality: 615 distinct values	High cardinality
`Funded amnt inv` is highly correlated with `Loan Amnt` and 1 other fields	High correlation
`Loan Amnt` is highly correlated with `Funded amnt inv` and 1 other fields	High correlation
`INSTALLMENT` is highly correlated with `Loan Amnt` and 1 other fields	High correlation
`Sub Grade` is highly correlated with `GRADE`	High correlation
`GRADE` is highly correlated with `Sub Grade`	High correlation
`Name` has 271 (6.9%) missing values	Missing
`Email ID` has 580 (14.7%) missing values	Missing
`Gender` has 78 (2.0%) missing values	Missing
`University` has 118 (3.0%) missing values	Missing
`Name` is uniformly distributed	Uniform
`Email ID` is uniformly distributed	Uniform
`University` is uniformly distributed	Uniform
`Dt_Applied` has unique values	Unique
`Delinq 2Yrs` has 3628 (91.8%) zeros	Zeros
`Inq Last 6Mths` has 1822 (46.1%) zeros	Zeros
`Revol Bal` has 42 (1.1%) zeros	Zeros

Reproduction

Analysis started	2021-05-28 15:29:46.283349
Analysis finished	2021-05-28 15:30:26.310881
Duration	40.03 seconds
Software version	pandas-profiling v2.9.0
Download configuration	config.yaml

Name
Categorical

HIGH CARDINALITY
MISSING
UNIFORM

Distinct	3682
Distinct (%)	100.0%
Missing	271
Missing (%)	6.9%
Memory size	30.9 KiB

Amata Domenc	1
Emily Borell	1
Raynor Pycock	1
Nike Copping	1
Russell Rosenbloom	1
Other values (3677)	3677

Frequencies
Length

Common Values
Overview

Value	Count	Frequency (%)
Amata Domenc	1	< 0.1%
Emily Borell	1	< 0.1%
Raynor Pycock	1	< 0.1%
Nike Copping	1	< 0.1%
Russell Rosenbloom	1	< 0.1%
Neale Hacard	1	< 0.1%
Maxy Gooddy	1	< 0.1%
Alvy Whitaker	1	< 0.1%
Tannie Durante	1	< 0.1%
Meir Eadington	1	< 0.1%
Other values (3672)	3672	92.9%
(Missing)	271	6.9%

Frequencies of value counts

Unique

Unique	3682 ?
Unique (%)	100.0%

Histogram of lengths of the category

Length

Max length	23
Median length	14
Mean length	13.27649886
Min length	3

Email ID
Categorical

HIGH CARDINALITY
MISSING
UNIFORM

Distinct	3373
Distinct (%)	100.0%
Missing	580
Missing (%)	14.7%
Memory size	30.9 KiB

callridgeqk@friendfeed.com	1
amaass86@dot.gov	1
vromaynj7@jugem.jp	1
hdockertygf@freewebs.com	1
kmcsheelx@jalbum.net	1
Other values (3368)	3368

Frequencies
Length

Common Values
Overview

Value	Count	Frequency (%)
callridgeqk@friendfeed.com	1	< 0.1%
amaass86@dot.gov	1	< 0.1%
vromaynj7@jugem.jp	1	< 0.1%
hdockertygf@freewebs.com	1	< 0.1%
kmcsheelx@jalbum.net	1	< 0.1%
dcanon76@bizjournals.com	1	< 0.1%
lvosper42@hao123.com	1	< 0.1%
npretty34@constantcontact.com	1	< 0.1%
ahalliday1u@gnu.org	1	< 0.1%
lpawlaczykop@zimbio.com	1	< 0.1%
Other values (3363)	3363	85.1%
(Missing)	580	14.7%

Frequencies of value counts

Unique

Unique	3373 ?
Unique (%)	100.0%

Histogram of lengths of the category

Length

Max length	35
Median length	21
Mean length	19.06982039
Min length	3

Gender
Categorical

MISSING

Distinct	2
Distinct (%)	0.1%
Missing	78
Missing (%)	2.0%
Memory size	30.9 KiB

Male	1970
Female	1905

Frequencies
Length

Value	Count	Frequency (%)
Male	1970	49.8%
Female	1905	48.2%
(Missing)	78	2.0%

Frequencies of value counts

Unique

Unique	0 ?
Unique (%)	0.0%

Histogram of lengths of the category

Length

Max length	6
Median length	4
Mean length	4.944093094
Min length	3

Dt_Applied
Categorical

UNIQUE

Distinct	3953
Distinct (%)	100.0%
Missing	0
Missing (%)	0.0%
Memory size	30.9 KiB

21/12/85	1
19/07/89	1
23/09/81	1
30/08/83	1
2/1/88	1
Other values (3948)	3948

Frequencies
Length

Common Values
Overview

Value	Count	Frequency (%)
21/12/85	1	< 0.1%
19/07/89	1	< 0.1%
23/09/81	1	< 0.1%
30/08/83	1	< 0.1%
2/1/88	1	< 0.1%
29/01/86	1	< 0.1%
4/2/83	1	< 0.1%
6/11/83	1	< 0.1%
25/07/86	1	< 0.1%
18/12/85	1	< 0.1%
Other values (3943)	3943	99.7%

Frequencies of value counts

Unique

Unique	3953 ?
Unique (%)	100.0%

Histogram of lengths of the category

Length

Max length	8
Median length	8
Mean length	7.403491019
Min length	6

University
Categorical

HIGH CARDINALITY
MISSING
UNIFORM

Distinct	3140
Distinct (%)	81.9%
Missing	118
Missing (%)	3.0%
Memory size	30.9 KiB

Phillips Graduate Institute	4
Abant Izzet Baysal University	4
Universidad de Congreso	4
Tampere Polytechnic	4
Carlow College	4
Other values (3135)	3815

Frequencies
Length

Common Values
Overview

Value	Count	Frequency (%)
Phillips Graduate Institute	4	0.1%
Abant Izzet Baysal University	4	0.1%
Universidad de Congreso	4	0.1%
Tampere Polytechnic	4	0.1%
Carlow College	4	0.1%
Stavropol State Technical University	4	0.1%
Universidad Valle del Momboy	4	0.1%
Arab Open University	4	0.1%
Universidad Tecnológica de México	4	0.1%
Christchurch Polytechnic Institute of Technology	4	0.1%
Other values (3130)	3795	96.0%
(Missing)	118	3.0%

Frequencies of value counts

Unique

Unique	2542 ?
Unique (%)	66.3%

Histogram of lengths of the category

Length

Max length	114
Median length	28
Mean length	29.67088287
Min length	3

Loan Amnt
Real number (ℝ_≥0)

HIGH CORRELATION

Distinct	434
Distinct (%)	11.0%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	13017.49937
Minimum	1000
Maximum	35000
Zeros	0
Zeros (%)	0.0%
Memory size	30.9 KiB

Quantile statistics

Minimum	1000
5-th percentile	3000
Q1	6500
median	12000
Q3	17625
95-th percentile	30000
Maximum	35000
Range	34000
Interquartile range (IQR)	11125

Descriptive statistics

Standard deviation	8155.330342
Coefficient of variation (CV)	0.6264897821
Kurtosis	0.3258532123
Mean	13017.49937
Median Absolute Deviation (MAD)	5500
Skewness	0.9233128761
Sum	51458175
Variance	66509412.98
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
12000	315	8.0%
10000	259	6.6%
15000	190	4.8%
20000	174	4.4%
6000	165	4.2%
5000	153	3.9%
35000	143	3.6%
8000	124	3.1%
16000	99	2.5%
25000	97	2.5%
Other values (424)	2234	56.5%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
1000	21	0.5%
1100	1	< 0.1%
1200	9	0.2%
1300	2	0.1%
1325	1	< 0.1%

Value	Count	Frequency (%)
35000	143	3.6%
34475	1	< 0.1%
34000	2	0.1%
33950	1	< 0.1%
33600	2	0.1%

Funded amnt inv
Real number (ℝ_≥0)

HIGH CORRELATION

Distinct	828
Distinct (%)	20.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	12809.79216
Minimum	750
Maximum	35000
Zeros	0
Zeros (%)	0.0%
Memory size	30.9 KiB

Quantile statistics

Minimum	750
5-th percentile	3000
Q1	6500
median	11775
Q3	17000
95-th percentile	29735
Maximum	35000
Range	34250
Interquartile range (IQR)	10500

Descriptive statistics

Standard deviation	7935.907682
Coefficient of variation (CV)	0.619518848
Kurtosis	0.3951370723
Mean	12809.79216
Median Absolute Deviation (MAD)	5275
Skewness	0.9263171893
Sum	50637108.41
Variance	62978630.74
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
12000	249	6.3%
10000	222	5.6%
6000	153	3.9%
5000	143	3.6%
15000	139	3.5%
8000	113	2.9%
7000	87	2.2%
3000	74	1.9%
20000	72	1.8%
14000	64	1.6%
Other values (818)	2637	66.7%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
750	1	< 0.1%
1000	20	0.5%
1100	1	< 0.1%
1200	9	0.2%
1300	2	0.1%

Value	Count	Frequency (%)
35000	37	0.9%
34997.35245	1	< 0.1%
34993.65539	1	< 0.1%
34987.98452	1	< 0.1%
34987.27101	1	< 0.1%

TERM
Categorical

Distinct	2
Distinct (%)	0.1%
Missing	0
Missing (%)	0.0%
Memory size	30.9 KiB

36 months	2687
60 months	1266

Frequencies
Length

Value	Count	Frequency (%)
36 months	2687	68.0%
60 months	1266	32.0%

Frequencies of value counts

Unique

Unique	0 ?
Unique (%)	0.0%

Histogram of lengths of the category

Length

Max length	10
Median length	10
Mean length	10
Min length	10

Int Rate
Real number (ℝ_≥0)

Distinct	35
Distinct (%)	0.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	0.1296908677
Minimum	0.06
Maximum	0.241
Zeros	0
Zeros (%)	0.0%
Memory size	30.9 KiB

Quantile statistics

Minimum	0.06
5-th percentile	0.066
Q1	0.099
median	0.127
Q3	0.16
95-th percentile	0.203
Maximum	0.241
Range	0.181
Interquartile range (IQR)	0.061

Descriptive statistics

Standard deviation	0.04160931484
Coefficient of variation (CV)	0.3208345782
Kurtosis	-0.6951924625
Mean	0.1296908677
Median Absolute Deviation (MAD)	0.033
Skewness	0.226416223
Sum	512.668
Variance	0.001731335081
Monotocity	Not monotonic

Histogram with fixed size bins (bins=35)

Value	Count	Frequency (%)
0.117	324	8.2%
0.127	259	6.6%
0.079	259	6.6%
0.124	254	6.4%
0.135	231	5.8%
0.143	226	5.7%
0.107	213	5.4%
0.099	211	5.3%
0.089	198	5.0%
0.06	160	4.0%
Other values (25)	1618	40.9%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0.06	160	4.0%
0.066	156	3.9%
0.075	137	3.5%
0.079	259	6.6%
0.089	198	5.0%

Value	Count	Frequency (%)
0.241	2	0.1%
0.239	6	0.2%
0.235	6	0.2%
0.231	4	0.1%
0.227	6	0.2%

INSTALLMENT
Real number (ℝ_≥0)

HIGH CORRELATION

Distinct	1923
Distinct (%)	48.6%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	375.2073362
Minimum	32.23
Maximum	1283.5
Zeros	0
Zeros (%)	0.0%
Memory size	30.9 KiB

Quantile statistics

Minimum	32.23
5-th percentile	93.88
Q1	205.86
median	336
Q3	494.59
95-th percentile	813.626
Maximum	1283.5
Range	1251.27
Interquartile range (IQR)	288.73

Descriptive statistics

Standard deviation	220.261152
Coefficient of variation (CV)	0.5870385006
Kurtosis	0.8900854243
Mean	375.2073362
Median Absolute Deviation (MAD)	140.06
Skewness	0.9837168213
Sum	1483194.6
Variance	48514.9751
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
330.76	27	0.7%
396.92	25	0.6%
325.74	22	0.6%
386.7	21	0.5%
339.31	20	0.5%
322.25	19	0.5%
334.16	19	0.5%
343.09	18	0.5%
190.52	18	0.5%
368.45	17	0.4%
Other values (1913)	3747	94.8%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
32.23	1	< 0.1%
32.58	2	0.1%
33.08	2	0.1%
33.55	1	< 0.1%
33.94	3	0.1%

Value	Count	Frequency (%)
1283.5	1	< 0.1%
1276.6	1	< 0.1%
1269.73	1	< 0.1%
1243.85	1	< 0.1%
1222.03	1	< 0.1%

GRADE
Categorical

HIGH CORRELATION

Distinct	7
Distinct (%)	0.2%
Missing	0
Missing (%)	0.0%
Memory size	30.9 KiB

B	1262
A	908
C	811
D	510
E	313
Other values (2)	149

Frequencies
Length

Value	Count	Frequency (%)
B	1262	31.9%
A	908	23.0%
C	811	20.5%
D	510	12.9%
E	313	7.9%
F	125	3.2%
G	24	0.6%

Frequencies of value counts

Unique

Unique	0 ?
Unique (%)	0.0%

Histogram of lengths of the category

Length

Max length	1
Median length	1
Mean length	1
Min length	1

Sub Grade
Categorical

HIGH CORRELATION

Distinct	35
Distinct (%)	0.9%
Missing	0
Missing (%)	0.0%
Memory size	30.9 KiB

B3	324
B5	260
A4	259
B4	254
C1	231
Other values (30)	2625

Frequencies
Length

Common Values
Overview

Value	Count	Frequency (%)
B3	324	8.2%
B5	260	6.6%
A4	259	6.6%
B4	254	6.4%
C1	231	5.8%
C2	227	5.7%
B2	213	5.4%
B1	211	5.3%
A5	198	5.0%
A1	158	4.0%
Other values (25)	1618	40.9%

Frequencies of value counts

Unique

Unique	0 ?
Unique (%)	0.0%

Histogram of lengths of the category

Length

Max length	2
Median length	2
Mean length	2
Min length	2

Home Ownership
Categorical

Distinct	3
Distinct (%)	0.1%
Missing	0
Missing (%)	0.0%
Memory size	30.9 KiB

RENT	2081
MORTGAGE	1577
OWN	295

Frequencies
Length

Value	Count	Frequency (%)
RENT	2081	52.6%
MORTGAGE	1577	39.9%
OWN	295	7.5%

Frequencies of value counts

Unique

Unique	0 ?
Unique (%)	0.0%

Histogram of lengths of the category

Length

Max length	8
Median length	4
Mean length	5.521123198
Min length	3

Annual Inc
Real number (ℝ_≥0)

Distinct	813
Distinct (%)	20.6%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	66175.97354
Minimum	8280
Maximum	550000
Zeros	0
Zeros (%)	0.0%
Memory size	30.9 KiB

Quantile statistics

Minimum	8280
5-th percentile	25000
Q1	40100
median	57000
Q3	80000
95-th percentile	135880
Maximum	550000
Range	541720
Interquartile range (IQR)	39900

Descriptive statistics

Standard deviation	40498.80417
Coefficient of variation (CV)	0.6119865264
Kurtosis	18.71426089
Mean	66175.97354
Median Absolute Deviation (MAD)	18000
Skewness	3.058200935
Sum	261593623.4
Variance	1640153139
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
60000	154	3.9%
50000	149	3.8%
75000	120	3.0%
40000	120	3.0%
45000	114	2.9%
70000	96	2.4%
80000	93	2.4%
30000	93	2.4%
65000	88	2.2%
35000	82	2.1%
Other values (803)	2844	71.9%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
8280	1	< 0.1%
8400	1	< 0.1%
9600	1	< 0.1%
9960	1	< 0.1%
10000	1	< 0.1%

Value	Count	Frequency (%)
550000	1	< 0.1%
525000	1	< 0.1%
408000	1	< 0.1%
400000	2	0.1%
365000	1	< 0.1%

Verification Status
Categorical

Distinct	3
Distinct (%)	0.1%
Missing	0
Missing (%)	0.0%
Memory size	30.9 KiB

Verified	1515
Not Verified	1247
Source Verified	1191

Frequencies
Length

Value	Count	Frequency (%)
Verified	1515	38.3%
Not Verified	1247	31.5%
Source Verified	1191	30.1%

Frequencies of value counts

Unique

Unique	0 ?
Unique (%)	0.0%

Histogram of lengths of the category

Length

Max length	15
Median length	12
Mean length	11.37085758
Min length	8

Loan Writeoff
Boolean

Distinct	2
Distinct (%)	0.1%
Missing	0
Missing (%)	0.0%
Memory size	30.9 KiB

0	3275
1	678

Common Values
Chart

Value	Count	Frequency (%)
0	3275	82.8%
1	678	17.2%

PURPOSE
Categorical

Distinct	13
Distinct (%)	0.3%
Missing	0
Missing (%)	0.0%
Memory size	30.9 KiB

debt_consolidation	2102
credit_card	792
other	297
home_improvement	196
small_business	145
Other values (8)	421

Frequencies
Length

Common Values
Overview

Value	Count	Frequency (%)
debt_consolidation	2102	53.2%
credit_card	792	20.0%
other	297	7.5%
home_improvement	196	5.0%
small_business	145	3.7%
major_purchase	100	2.5%
car	90	2.3%
wedding	63	1.6%
medical	52	1.3%
moving	39	1.0%
Other values (3)	77	1.9%

Frequencies of value counts

Unique

Unique	0 ?
Unique (%)	0.0%

Histogram of lengths of the category

Length

Max length	18
Median length	18
Mean length	14.28307614
Min length	3

Zip Code
Categorical

HIGH CARDINALITY

Distinct	615
Distinct (%)	15.6%
Missing	0
Missing (%)	0.0%
Memory size	30.9 KiB

900xx	55
606xx	55
100xx	54
112xx	50
945xx	49
Other values (610)	3690

Frequencies
Length

Common Values
Overview

Value	Count	Frequency (%)
900xx	55	1.4%
606xx	55	1.4%
100xx	54	1.4%
112xx	50	1.3%
945xx	49	1.2%
070xx	45	1.1%
331xx	44	1.1%
300xx	41	1.0%
750xx	41	1.0%
113xx	40	1.0%
Other values (605)	3479	88.0%

Frequencies of value counts

Unique

Unique	148 ?
Unique (%)	3.7%

Histogram of lengths of the category

Length

Max length	5
Median length	5
Mean length	5
Min length	5

Add State
Categorical

Distinct	43
Distinct (%)	1.1%
Missing	0
Missing (%)	0.0%
Memory size	30.9 KiB

CA	729
NY	372
FL	304
TX	273
NJ	181
Other values (38)	2094

Frequencies
Length

Common Values
Overview

Value	Count	Frequency (%)
CA	729	18.4%
NY	372	9.4%
FL	304	7.7%
TX	273	6.9%
NJ	181	4.6%
IL	155	3.9%
GA	146	3.7%
PA	136	3.4%
VA	130	3.3%
OH	124	3.1%
Other values (33)	1403	35.5%

Frequencies of value counts

Unique

Unique	0 ?
Unique (%)	0.0%

Histogram of lengths of the category

Length

Max length	2
Median length	2
Mean length	2
Min length	2

DTI
Real number (ℝ_≥0)

Distinct	1961
Distinct (%)	49.6%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	14.42828738
Minimum	0
Maximum	29.85
Zeros	3
Zeros (%)	0.1%
Memory size	30.9 KiB

Quantile statistics

Minimum	0
5-th percentile	3.932
Q1	9.58
median	14.45
Q3	19.47
95-th percentile	24.214
Maximum	29.85
Range	29.85
Interquartile range (IQR)	9.89

Descriptive statistics

Standard deviation	6.378445753
Coefficient of variation (CV)	0.4420792008
Kurtosis	-0.7703420751
Mean	14.42828738
Median Absolute Deviation (MAD)	4.94
Skewness	-0.04903565752
Sum	57035.02
Variance	40.68457022
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
11.8	9	0.2%
18.63	8	0.2%
20.88	8	0.2%
9.65	7	0.2%
12.48	7	0.2%
18.84	7	0.2%
17.67	7	0.2%
16.4	7	0.2%
19.63	7	0.2%
16.2	7	0.2%
Other values (1951)	3879	98.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	3	0.1%
0.02	2	0.1%
0.07	1	< 0.1%
0.2	1	< 0.1%
0.25	1	< 0.1%

Value	Count	Frequency (%)
29.85	1	< 0.1%
29.83	1	< 0.1%
29.73	1	< 0.1%
29.72	1	< 0.1%
29.63	1	< 0.1%

Delinq 2Yrs
Real number (ℝ_≥0)

ZEROS

Distinct	6
Distinct (%)	0.2%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	0.1085251708
Minimum	0
Maximum	6
Zeros	3628
Zeros (%)	91.8%
Memory size	30.9 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	0
Q3	0
95-th percentile	1
Maximum	6
Range	6
Interquartile range (IQR)	0

Descriptive statistics

Standard deviation	0.4087983222
Coefficient of variation (CV)	3.766852606
Kurtosis	32.99870086
Mean	0.1085251708
Median Absolute Deviation (MAD)	0
Skewness	4.954297207
Sum	429
Variance	0.1671160683
Monotocity	Not monotonic

Histogram with fixed size bins (bins=6)

Value	Count	Frequency (%)
0	3628	91.8%
1	246	6.2%
2	61	1.5%
3	13	0.3%
4	4	0.1%
6	1	< 0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	3628	91.8%
1	246	6.2%
2	61	1.5%
3	13	0.3%
4	4	0.1%

Value	Count	Frequency (%)
6	1	< 0.1%
4	4	0.1%
3	13	0.3%
2	61	1.5%
1	246	6.2%

Inq Last 6Mths
Real number (ℝ_≥0)

ZEROS

Distinct	9
Distinct (%)	0.2%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	0.8555527448
Minimum	0
Maximum	8
Zeros	1822
Zeros (%)	46.1%
Memory size	30.9 KiB

Quantile statistics

Minimum	0
5-th percentile	0
Q1	0
median	1
Q3	1
95-th percentile	3
Maximum	8
Range	8
Interquartile range (IQR)	1

Descriptive statistics

Standard deviation	0.997025005
Coefficient of variation (CV)	1.165357731
Kurtosis	2.163689287
Mean	0.8555527448
Median Absolute Deviation (MAD)	1
Skewness	1.26526022
Sum	3382
Variance	0.9940588606
Monotocity	Not monotonic

Histogram with fixed size bins (bins=9)

Value	Count	Frequency (%)
0	1822	46.1%
1	1245	31.5%
2	584	14.8%
3	265	6.7%
4	21	0.5%
5	10	0.3%
6	3	0.1%
7	2	0.1%
8	1	< 0.1%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	1822	46.1%
1	1245	31.5%
2	584	14.8%
3	265	6.7%
4	21	0.5%

Value	Count	Frequency (%)
8	1	< 0.1%
7	2	0.1%
6	3	0.1%
5	10	0.3%
4	21	0.5%

Pub Rec
Categorical

Distinct	3
Distinct (%)	0.1%
Missing	0
Missing (%)	0.0%
Memory size	30.9 KiB

0	3831
1	120
2	2

Frequencies
Length

Value	Count	Frequency (%)
0	3831	96.9%
1	120	3.0%
2	2	0.1%

Frequencies of value counts

Unique

Unique	0 ?
Unique (%)	0.0%

Histogram of lengths of the category

Length

Max length	1
Median length	1
Mean length	1
Min length	1

Revol Bal
Real number (ℝ_≥0)

ZEROS

Distinct	3672
Distinct (%)	92.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	14367.44751
Minimum	0
Maximum	140967
Zeros	42
Zeros (%)	1.1%
Memory size	30.9 KiB

Quantile statistics

Minimum	0
5-th percentile	1240.4
Q1	6352
median	11449
Q3	18151
95-th percentile	35148.4
Maximum	140967
Range	140967
Interquartile range (IQR)	11799

Descriptive statistics

Standard deviation	13468.63453
Coefficient of variation (CV)	0.937441012
Kurtosis	18.01764983
Mean	14367.44751
Median Absolute Deviation (MAD)	5657
Skewness	3.322035836
Sum	56794520
Variance	181404116.1
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
0	42	1.1%
8032	3	0.1%
6314	3	0.1%
14848	3	0.1%
10980	3	0.1%
11338	3	0.1%
15183	3	0.1%
8357	3	0.1%
6565	3	0.1%
13034	3	0.1%
Other values (3662)	3884	98.3%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	42	1.1%
3	1	< 0.1%
6	1	< 0.1%
8	1	< 0.1%
16	1	< 0.1%

Value	Count	Frequency (%)
140967	1	< 0.1%
131949	1	< 0.1%
130920	1	< 0.1%
124744	1	< 0.1%
123416	1	< 0.1%

Total Paymnt
Real number (ℝ_≥0)

Distinct	3710
Distinct (%)	93.9%
Missing	0
Missing (%)	0.0%
Infinite	0
Infinite (%)	0.0%

Mean	14435.06432
Minimum	0
Maximum	58886.47343
Zeros	2
Zeros (%)	0.1%
Memory size	30.9 KiB

Quantile statistics

Minimum	0
5-th percentile	2401.064047
Q1	6614.78722
median	11907.35
Q3	19190.68001
95-th percentile	35788.92425
Maximum	58886.47343
Range	58886.47343
Interquartile range (IQR)	12575.89279

Descriptive statistics

Standard deviation	10492.53033
Coefficient of variation (CV)	0.7268779753
Kurtosis	1.593830926
Mean	14435.06432
Median Absolute Deviation (MAD)	5937.176941
Skewness	1.261678967
Sum	57061809.25
Variance	110093192.6
Monotocity	Not monotonic

Histogram with fixed size bins (bins=50)

Value	Count	Frequency (%)
14288.76169	8	0.2%
13148.13786	7	0.2%
11907.34732	7	0.2%
12029.45	7	0.2%
11600.98	6	0.2%
14288.77	5	0.1%
11726.32	5	0.1%
10956.77596	5	0.1%
9011.557494	5	0.1%
13263.96	5	0.1%
Other values (3700)	3893	98.5%

Minimum 5 values
Maximum 5 values

Value	Count	Frequency (%)
0	2	0.1%
91.39	1	< 0.1%
151.8	1	< 0.1%
165.37	1	< 0.1%
203.55	1	< 0.1%

Value	Count	Frequency (%)
58886.47343	1	< 0.1%
58133.3199	1	< 0.1%
58090.95207	1	< 0.1%
58071.19982	1	< 0.1%
58071.19977	1	< 0.1%

Pearson's r

The Pearson's correlation coefficient (r) is a measure of linear correlation between two variables. It's value lies between -1 and +1, -1 indicating total negative linear correlation, 0 indicating no linear correlation and 1 indicating total positive linear correlation. Furthermore, r is invariant under separate changes in location and scale of the two variables, implying that for a linear function the angle to the x-axis does not affect r.

To calculate r for two variables X and Y, one divides the covariance of X and Y by the product of their standard deviations.

Spearman's ρ

The Spearman's rank correlation coefficient (ρ) is a measure of monotonic correlation between two variables, and is therefore better in catching nonlinear monotonic correlations than Pearson's r. It's value lies between -1 and +1, -1 indicating total negative monotonic correlation, 0 indicating no monotonic correlation and 1 indicating total positive monotonic correlation.

To calculate ρ for two variables X and Y, one divides the covariance of the rank variables of X and Y by the product of their standard deviations.

Kendall's τ

Similarly to Spearman's rank correlation coefficient, the Kendall rank correlation coefficient (τ) measures ordinal association between two variables. It's value lies between -1 and +1, -1 indicating total negative correlation, 0 indicating no correlation and 1 indicating total positive correlation.

To calculate τ for two variables X and Y, one determines the number of concordant and discordant pairs of observations. τ is given by the number of concordant pairs minus the discordant pairs divided by the total number of pairs.

Phik (φk)

Phik (φk) is a new and practical correlation coefficient that works consistently between categorical, ordinal and interval variables, captures non-linear dependency and reverts to the Pearson correlation coefficient in case of a bivariate normal input distribution. There is extensive documentation available here.

Cramér's V (φc)

Cramér's V is an association measure for nominal random variables. The coefficient ranges from 0 to 1, with 0 indicating independence and 1 indicating perfect association. The empirical estimators used for Cramér's V have been proved to be biased, even for large samples. We use a bias-corrected measure that has been proposed by Bergsma in 2013 that can be found here.

First rows

	Name	Email ID	Gender	Dt_Applied	University	Loan Amnt	Funded amnt inv	TERM	Int Rate	INSTALLMENT	GRADE	Sub Grade	Home Ownership	Annual Inc	Verification Status	Loan Writeoff	PURPOSE	Zip Code	Add State	DTI	Inq Last 6Mths	Revol Bal	Total Paymnt
0	Calley Giron	cgiron0@ehow.com	Female	1/1/81	Warner Southern College	5000	4975.0	36 months	0.107	162.87	B	B2	RENT	24000.0	Verified	0	credit_card	860xx	AZ	27.65	1	13648	5863.155187
1	Linus Stud	lstud1@washington.edu	Male	2/1/81	Shri Lal Bahadur Shastri Rashtriya Sanskrit Vidyapeetha	2500	2500.0	60 months	0.153	59.83	C	C4	RENT	30000.0	Source Verified	1	car	309xx	GA	1.00	5	1687	1014.530000
2	Lorelle Ambage	lambage2@wix.com	Female	3/1/81	Technische Universität Bergakademie Freiberg	2400	2400.0	36 months	0.160	84.33	C	C5	RENT	12252.0	Not Verified	0	small_business	606xx	IL	8.72	2	2956	3005.666844
3	Anna-diane Larrat	alarrat3@economist.com	Female	4/1/81	Divine Word College of Legazpi	10000	10000.0	36 months	0.135	339.31	C	C1	RENT	49200.0	Source Verified	0	other	917xx	CA	20.00	1	5598	12231.890000
4	Gill Ruske	NaN	Female	5/1/81	East China Jiao Tong University	3000	3000.0	60 months	0.127	67.79	B	B5	RENT	80000.0	Source Verified	0	other	972xx	OR	17.94	0	27783	4066.908161
5	Evelyn MacFaul	emacfaul5@theatlantic.com	Female	6/1/81	Ahmedabad University	5000	5000.0	36 months	0.079	156.46	A	A4	RENT	36000.0	Source Verified	0	wedding	852xx	AZ	11.20	3	7963	5632.210000
6	Ainslie Rainard	arainard6@virginia.edu	Female	7/1/81	NaN	7000	7000.0	60 months	0.160	170.08	C	C5	RENT	47004.0	Not Verified	0	debt_consolidation	280xx	NC	23.51	1	17726	10137.840010
7	Emmott Hamby	ehamby7@prnewswire.com	Male	8/1/81	Institute of Business Management	3000	3000.0	36 months	0.186	109.43	E	E1	RENT	48000.0	Source Verified	0	car	900xx	CA	5.35	2	8221	3939.135294
8	Shem Toomer	stoomer8@home.pl	Male	9/1/81	Osaka University of Education	5600	5600.0	60 months	0.213	152.39	F	F2	OWN	40000.0	Source Verified	1	small_business	958xx	CA	5.55	2	5210	647.500000
9	Giana Aberhart	gaberhart9@mozilla.com	Female	10/1/81	American Public University	5375	5350.0	60 months	0.127	121.45	B	B5	RENT	15000.0	Verified	1	other	774xx	TX	18.08	0	9279	1484.590000

Last rows

	Name	Email ID	Gender	Dt_Applied	University	Loan Amnt	Funded amnt inv	TERM	Int Rate	INSTALLMENT	GRADE	Sub Grade	Home Ownership	Annual Inc	Verification Status	Loan Writeoff	PURPOSE	Zip Code	Add State	DTI	Delinq 2Yrs	Inq Last 6Mths	Revol Bal	Total Paymnt
3943	Merla Thebe	mthebeq7@cocolog-nifty.com	Female	21/10/91	North Eastern Hill University	6000	6000.0	36 months	0.163	211.81	D	D1	RENT	39564.0	Verified	1	debt_consolidation	606xx	IL	23.78	2	1	2028	3388.960000
3944	Marcellina Dinneges	mdinnegesq8@infoseek.co.jp	Female	22/10/91	Universidade Católica de Santos	2400	2400.0	36 months	0.117	79.39	B	B3	RENT	39800.0	Not Verified	0	other	303xx	GA	14.32	0	0	15497	2836.660516
3945	Way Symonds	wsymondsq9@mlb.com	Male	23/10/91	American International University West Africa	25000	25000.0	60 months	0.183	638.25	D	D5	MORTGAGE	156000.0	Source Verified	0	house	944xx	CA	5.85	0	0	10709	37936.750000
3946	Ailene Matejka	NaN	Female	24/10/91	Kaya University	20000	20000.0	36 months	0.117	661.52	B	B3	RENT	80700.0	Verified	0	debt_consolidation	946xx	CA	13.67	0	1	7211	23406.523000
3947	Samuel Overel	NaN	Male	25/10/91	Northwestern University	12000	12000.0	60 months	0.183	306.36	D	D5	MORTGAGE	34000.0	Not Verified	1	debt_consolidation	177xx	PA	12.56	0	0	6114	9667.950000
3948	Corbie Creeboe	ccreeboeqc@sitemeter.com	Male	26/10/91	Shaheed Rajaei Teacher Training University	12000	12000.0	36 months	0.135	407.17	C	C1	RENT	125000.0	Source Verified	0	wedding	086xx	NJ	13.18	0	1	46286	14657.917650
3949	Bobbe Ochterlonie	bochterlonieqd@ezinearticles.com	Female	27/10/91	Dhofar University	15000	15000.0	36 months	0.124	501.23	B	B4	RENT	72000.0	Verified	0	debt_consolidation	104xx	NY	7.47	0	1	12147	16729.253640
3950	Corella Esposito	cespositoqe@macromedia.com	Female	28/10/91	University of Jan Evangelista Purkyne	12000	12000.0	36 months	0.060	365.23	A	A1	OWN	48000.0	Not Verified	0	debt_consolidation	365xx	AL	23.35	0	0	22385	13148.137860
3951	Prince Dibdin	pdibdinqf@businessinsider.com	Male	29/10/91	College in Sládkovičovo	15000	15000.0	60 months	0.160	364.46	C	C5	RENT	50000.0	Verified	1	debt_consolidation	907xx	CA	18.26	0	1	9799	10883.540000
3952	Georgette Warratt	gwarrattqg@java.com	Female	30/10/91	Technical University of Lublin	15000	14975.0	60 months	0.153	358.98	C	C4	MORTGAGE	32976.0	Not Verified	1	debt_consolidation	177xx	PA	17.90	0	1	7956	11704.260000

Overview

Variables

Interactions

Correlations

Pearson's r

Spearman's ρ

Kendall's τ

Phik (φk)

Cramér's V (φc)

Missing values

Sample

First rows

Last rows